Lifetime Mortgage
The most popular form of equity release. Borrow against your home with no required monthly repayments — interest rolls up and is repaid when the plan ends. This type of plan allows you to make voluntary payments if you so wish.
Plain-English advice on every kind of equity release plan.
Whether you want a lump sum, a flexible drawdown facility, or to keep paying interest to preserve an inheritance — I'll compare the whole market and recommend the plan that genuinely suits you.
Drawdown Plan
Take an initial lump sum, then dip into a reserve facility as and when you need it. Interest only builds on what you've actually drawn.
Interest-Served Plans
Choose to pay the monthly interest to prevent the loan balance from growing.
Home Reversion
Sell a share of your home for a tax-free lump sum or income, while keeping the right to live there rent-free for life.
FAQs
Your questions, answered.
Can't see what you're looking for? Just ask — I'll happily talk you through it.
Ask me a questionWill I still own my home?+
With a lifetime mortgage, yes — you remain the legal owner and can stay in your home for life or until you move into long-term care.
Can I leave an inheritance?+
Yes, the level of inheritance will depend on factors such as interest rate, amount released, property growth and life expectancy.
What if my circumstances change?+
Modern plans are flexible. You can usually move home, make voluntary payments, or repay early subject to the plan's terms.